Smishing Alert: Stay Safe!
We have received reports of fraudulent text messages claiming to be from OSB, stating that your contact information has been changed. The message includes a link, asking you to click to verify the request. Please be aware that this is a scam! OSB will never ask you to validate changes to your account via text.

If you receive one of these messages, do not click the link. If you feel that your account information has been compromised, contact us immediately through our secure online chat feature or call us at
706-769-6611 (option 4).

FDIC-Insured – Backed by the full faith and credit of the U.S. Government

Insured Money Market

Oconee State Bank's Insured Money Market account gives you flexibility and easy access to your funds while earning higher interest rates on higher balances.

  • Only $50 to open an account.
  • Tiered interest – the more you save, the more you earn!
  • Competitive Interest
  • Service charge
    A service charge of $10.00 will be assessed every statement cycle if the balance in the account falls below $1,000 any day of the cycle.
  • Monthly statement fee
    Accounts are subject to a $5 per month statement fee. Enroll your account in eStatements and avoid the $5 monthly paper statement fee.
  • Additional debit transactions
    $5 will be assessed for each additional debit transaction (withdrawal, automatic or pre-authorized transfer, ATM withdrawal, or any payment out of this account) in excess of six (6) during a statement cycle.

In order to open a new account and establish and protect your identity, we will ask for some personal identifying information. We know your time is valuable, so please bring this information with you when you come. Please allow at least 30 minutes to establish your relationship at any of our convenient Oconee State Bank locations.

  1. Social Security or taxpayer ID number
  2. Unexpired Government issued ID or driver’s license, military ID, or passport
  3. Proof of physical address, date of birth, phone number(s), and email address